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Michael D. Hart, P.C.
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540-627-6520
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Getting through the holidays without overspending

It isn't uncommon for Virginia residents and others to do the bulk of their holiday shopping in the first few days after Thanksgiving. This is a time when retailers throughout the nation offer discounted prices and other deals designed to get people to spend money. Those who are planning to buy gifts this holiday season are encouraged to create a budget before they start shopping. They are also encouraged to take into account fees or taxes that may be added to a transaction.

Furthermore, it is important for shoppers to know whom they are buying for and why. This can minimize the chances of spending money on smaller items that a gift recipient may not necessarily need or want. Shoppers should also visit multiple retailers or visit multiple websites before buying an item. Doing so can ensure that an individual gets the best price on a product.

Comparison shopping can still be a good idea for those who have already purchased an item. Some retailers may be willing to match a competitor's price if it is lower than their advertised price. Finally, those who are shopping during the holiday season should familiarize themselves with a retailer's return policy. In some cases, policies may differ depending on whether a product was bought online or at a store.

Those who are looking for a way to reduce or eliminate credit card or other types of debt may want to consider filing for bankruptcy. In a Chapter 7 bankruptcy case, an individual may be able to have debts discharged without paying anything to creditors. In some cases, debtors may also retain most or all of their assets. An attorney may talk more about the benefits of bankruptcy such as an automatic stay of creditor contact.

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Michael D. Hart, P.C.
19 Church Street Southwest
Roanoke, VA 24011

Phone: 540-627-6520
Fax: 540-342-7655
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